Group Health Insurance or Family Health Insurance

Group Health Insurance or Family Health Insurance

Question: I am a Canadian married and living in the Philippines. I am interested in a group insurance plan that will cover the new family that I am a part of. How do I go about getting information

Answer: All the information you need to know about medical insurance is located on our website. Click Group Health Insurance or click Family Health Insurance to learn more about both of these coverage options. Pacific Prime can provide comprehensive expatriate medical insurance plans to expats located around the world, including Canadians in the Philippines.

Group medical insurance coverage options are available for groups of more than 3 members and are typically obtained by companies. While it is possible to include a family member in a group health insurance plan, that family member will typically have to be a bona fide employee of the company; many insurance providers will ask for proof of the family member’s employment at the organization in question.

A family health insurance is probably the more likely option for securing comprehensive protection for your family in the Philippines. You will be able to obtain a single policy for your immediate family; yourself, your spouse, and any children. Extended family members, such as Grandparents, Aunts, Uncles and Cousins, will need to obtain separate policies.

The reason for this is due to the fact that after you reach a certain age you will no longer be considered a child or a dependant under an international health insurance plan. This means that Grandparents cannot obtain a health insurance policy which includes coverage for their adult children. Because Grandparents cannot obtain coverage for their adult children, neither will they be able to obtain a plan which includes protection for them and their Grandchildren – these children will need to be insured directly under their parents’ policy.

Under a family health insurance plan there is typically no limit for the number of children you can add to the policy, as long as they are not considered “adult” by the provider. Normally, if a child is under the age of 18 they are considered a child; however, children over the age of 18 who are engaged in full time education may be eligible for coverage under their parent’s plan as a dependant in some cases.

However, with that being said, you are able to purchase a Philippines medical insurance policy for your extended family, and their immediate relatives. If your relatives complete the application paperwork for their preferred plan, then you are able to pay for the policy on their behalf.

Pacific Prime offers a range of coverage options for your immediate family members, and can, in many cases, offer significant discounts from the providers – in some cases you may even be able to add a second or third child to your existing coverage free of charge.

Plan benefits available on Family health insurance policies can include:

In many cases Pacific Prime can actively tailor a policy to meet your specific needs, ensuring that you have exactly the levels of protection you and your loved ones require.

For more information about family health insurance or group medical insurance plans you can speak to an expert broker by Contacting Us.

If you would like to receive a range of free customized quotes for your family health insurance plan, simply complete the short form at the top of this page. One of our dedicated advisors will contact you within 24 hours with a comprehensive list of options.